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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, March 2017
(All workers with basic life insurance coverage = 100 percent)
Characteristics Basic life insurance method of payment
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
All workers
36
1
53
6
4
Worker characteristics
         
Management, professional, and related
35
1
54
5
4
    Professional and related
34
1
55
5
4
        Teachers
30
1
60
5
5
            Primary, secondary, and special education
             school teachers
27
1
63
4
6
Service
36
2
54
6
2
    Protective service
35
2
53
7
2
Sales and office
38
2
51
6
4
    Office and administrative support
38
1
51
6
4
Natural resources, construction, and maintenance
37
53
7
Production, transportation, and material moving
36
44
17
Full time
36
1
53
6
4
Part time
31
60
3
Union
32
1
58
8
1
Nonunion
40
1
48
4
7
Average wage within the following categories:1
         
    Lowest 25 percent
36
1
55
3
5
        Lowest 10 percent
40
53
3
    Second 25 percent
39
2
51
6
2
    Third 25 percent
35
1
52
7
5
    Highest 25 percent
34
1
56
6
2
        Highest 10 percent
32
60
6
Establishment characteristics
         
Service-providing industries
36
1
53
6
4
    Education and health services
35
1
55
4
4
        Educational services
32
1
58
4
5
            Elementary and secondary schools
27
1
64
3
5
            Junior colleges, colleges, and universities
44
2
45
7
3
        Health care and social assistance
57
35
4
            Hospitals
64
29
    Public administration
36
2
52
7
3
1 to 99 workers
29
62
6
    1 to 49 workers
21
67
9
    50 to 99 workers
36
59
3
100 workers or more
38
1
51
7
3
    100 to 499 workers
34
2
54
6
4
    500 workers or more
40
1
50
7
3
State government
40
1
47
7
5
Local government
35
1
56
5
3
Geographic areas
         
Northeast
33
51
12
    New England
19
74
    Middle Atlantic
38
44
14
South
41
1
46
4
8
    South Atlantic
54
30
14
    East South Central
44
39
13
    West South Central
21
74
4
Midwest
40
1
52
5
2
    East North Central
41
53
4
    West North Central
39
49
7
West
26
1
69
4
1
    Mountain
40
56
    Pacific
19
1
75
5
1
1Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2017.

Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not
meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.